Archive for Credit Cards category:

Marriage and Money

First comes love, then comes marriage, then comes… sharing finances. It’s no longer MY money, it’s now OUR money. Let Fiscal Sanity show you how to live in financial wedded bliss.

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Get Paid For Using Your Credit Cards

Here’s my philosophy: if you buy something, you should get something for free. Credit card companies are competing for your business, and they are giving away money to get it, so let’s get you some dough.
But here’s the catch: you need to pay your bills on time, and in full. Credit card companies are giving [...]

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Beware The Gift Card

With the holiday season approaching you may be tempted to buy a gift card for a friend or loved one.  However, you need to choose carefully when deciding from where to purchase.  This month Circuit City filed for bankruptcy and can decline to accept their own gift cards at any moment.
Back in February 19, 2008, [...]

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Reducing Balance Transfer Fees

Balance transfers can be an important tool in your fiscal arsenal. They allow you to temporarily move your debt to a non-interest bearing account. But there’s a catch; fees, fees and more fees. Here’s two ways to limit the fees, and take advantage of balance transfers.
1. Don’t list your transfers on the initial application: [...]

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Saving Money with 0% Balance Transfer Offers

Are you getting tons of credit card offers in the mail? Are you throwing them away? Are you insane? If the banks are offering you balance transfers rates of 0% for 12 months, and you’re not taking them up on the offer, then you need to have your head examined.
That’s free [...]

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The Great Money Hack

Those 0% balance transfer offers you’re getting in the mail are free money offers. Yes, I said free money! These banks are offering to give you money for 12 months for 0%. Did I say free!
If you’re carrying a balance on other credit cards, then you need to transfer those balances to [...]

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What Has Your Credit Card Done For You Lately?

If you’re like most Americans, you have at least one credit card and you use it multiple times a week. You care for it, pulling it out of your wallet lovingly and handing it over to the cashier, and then returning it gently until it’s time to use it again.
But what has your credit [...]

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Secured Credit Cards: 101

Secured Credit Cards are designed to give you credit without the bank taking on risk. People who have no credit or have claimed bankruptcy and need to rebuild their credit, usually apply for this type of card.
Traditional credit cards provide you with “credit” from the bank. If they give you a credit card [...]

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